Insurance warning
Most Mexican insurance companies cap US labor rates at $75 an hour or even $38 a hour. While this may cover repairs in Mexico, if you damage your RV, you may have to take it to the US to get it fixed...
Forum Discussion
As far as I can determine ,all these Brokers have multi level rates which offer the option of paying a higher premium to qualify for Higher Labour Rates!
It's all a bit of a shell game as the Actual Insurance Companies are the people determining the final rate charged ,not the Brokerage firm!
If You request ,a bump up to cover the higher Shop Rate ,all the Brokers will be happy to sell You the more expensive coverage!
That said Those same Agents always Claim to Have the Best rates and or the Best Coverage! They seldom even mention the options available to You!
Nobody in Business would be dumb enough to advertise that They have the Most Expensive Rates!
Unfortunately most of Us buy Insurance based on the Lowest price first, followed by the reputation of the Broker, when what We should be doing is asking whichever Broker to quote on whatever coverage We expect to receive , deductible We are willing to pay out Ourselves ,plus Maximum payout on the Vehicle should a claim be necessary!
You get what You pay for when buying Insurance regardless of who You choose to Buy from ! Drive carefully and be prepared to shell out on the Deductible, and do proper research before signing on the bottom line!
It's all a bit of a shell game as the Actual Insurance Companies are the people determining the final rate charged ,not the Brokerage firm!
If You request ,a bump up to cover the higher Shop Rate ,all the Brokers will be happy to sell You the more expensive coverage!
That said Those same Agents always Claim to Have the Best rates and or the Best Coverage! They seldom even mention the options available to You!
Nobody in Business would be dumb enough to advertise that They have the Most Expensive Rates!
Unfortunately most of Us buy Insurance based on the Lowest price first, followed by the reputation of the Broker, when what We should be doing is asking whichever Broker to quote on whatever coverage We expect to receive , deductible We are willing to pay out Ourselves ,plus Maximum payout on the Vehicle should a claim be necessary!
You get what You pay for when buying Insurance regardless of who You choose to Buy from ! Drive carefully and be prepared to shell out on the Deductible, and do proper research before signing on the bottom line!
